Terms of Service
Last updated: January 2025
Agreement to Terms
By accessing and using PayorHelp.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
Services Description
PayorHelp.com provides informational resources, tools, and guidance to help healthcare providers navigate payor relations. Our services include:
- Payor-specific guides and reference materials
- Self-service tools (appeal letter generator, contact directory, etc.)
- Educational articles and resources
- Referrals to expert services (GrowthMD) and vendor partners
Information Accuracy and Disclaimer
No Professional Advice
PayorHelp.com provides general information only and does not constitute professional medical, legal, financial, or business advice. All information is provided "as is" without warranty of any kind.
Payor Policy Changes
Insurance payor policies, requirements, and contact information change frequently. While we strive to keep information current, we cannot guarantee accuracy. Always verify information directly with payors.
Your Responsibility
You are responsible for verifying all information and making your own professional decisions. We are not liable for any actions taken based on information from our website.
User Responsibilities
You agree to:
- Provide accurate information when using our services
- Not submit Protected Health Information (PHI) or patient-specific data
- Use our tools and templates responsibly
- Not use our services for any illegal or unauthorized purpose
- Not attempt to gain unauthorized access to our systems
- Not reproduce or distribute our content without permission
Intellectual Property
All content, tools, and materials on PayorHelp.com are owned by us or our licensors. You may use our tools and templates for your professional purposes, but you may not reproduce, distribute, or create derivative works without permission.
Third-Party Services
We may refer you to third-party services including GrowthMD for expert consulting and various vendor partners. These are independent businesses, and we are not responsible for their services, actions, or policies.
Your relationship with third-party providers is governed by their own terms and agreements.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
PayorHelp.com and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost revenue, lost data, or business interruption arising from your use of our services.
Our total liability shall not exceed the amount paid by you (if any) for accessing our services in the twelve months preceding the claim.
Indemnification
You agree to indemnify and hold harmless PayorHelp.com from any claims, damages, losses, or expenses arising from your use of our services, your violation of these terms, or your violation of any rights of third parties.
No PHI or Patient Data
CRITICAL:
DO NOT submit Protected Health Information (PHI), patient names, dates of birth, medical record numbers, or any other individually identifiable health information through our website, forms, or tools.
Our tools are designed for creating templates and general guidance only. Any clinical information should be de-identified.
Modifications to Service
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We may also modify these Terms of Service at any time.
Termination
We may terminate or suspend your access to our services at any time, without prior notice, for any reason including violation of these terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.
Contact Information
For questions about these Terms of Service, contact us at:
Email: legal@payorhelp.com